Executive Benefits

Most successful companies have a team of highly skilled and experienced executives committed to maintaining a prosperous operation. These “key people” generally receive a higher level of compensation than most as a result of their increased responsibility.

Many of these executives prefer to have the finer things in life such as designer shoes, tailored clothes, imported cars, custom built homes and yes, custom designed benefits.


A comprehensive menu of custom coverage is a vital component of a successful executive compensation package.

We offer traditional benefits such as:

• Key Person Term Life + Whole Life Insurance
• Key Person Income Protection / Key Person Disability Insurance
• Key Person Critical Illness
• Key Person Private Health Services Plan
• Key Person Health and Dental Top-Ups

We also have access to unique risk products underwritten by Lloyd’s of London – these include:

International Travel – we offer disability and personal accident coverage to Canadians traveling anywhere in the world.

Expatriates – we offer life, disability and personal accident coverage to Canadians living anywhere in the world.

High Income Top-Ups – we offer much higher replacement ratios for DI cases on high income earners (AND we ignore unearned income and net worth).

Large Disability Buy-Sell, Key Person and Business Overhead needs – our limits are much higher than those available in the regular market.

Executives losing group LTD at age 65 – where traditional disability ends at 65, our products are able to insure you after the age of 65.

Short Term needs – we can provide coverage for as little as 1 day when needed.

War Risk – we can provide coverage to fill in for war exclusions in personal or association coverage.

Unique Occupations – we offer disability coverage to actors, entertainers, artists, athletes and other occupations not insurable in traditional markets.

Termination with Severance – we offer Transition LTD, a unique DI product we designed specifically for this market.

Work With Redcliffe Financial Group

Contact us today to insure your executives in the style they are accustomed to.